Tips to Enjoy Cruises When It's Your First Time


Today, traveling on a cruise has become the best option to many people unlike in the early days when it was meant for the royal families only. Initially, traveling on a ship was very expensive and cruises on business were few. There are various ships on business today and the competition is relatively high. The transportation charges are low with many passengers opting for these kind of travel. The following are some good tips that will help you enjoy your cruise.

1. Prices are high during the pick season in every travel organization. Always travel when the prices are down and you will save quite good money. If your schedule travel is flexible, book your ship the last hour. One thing you should know is, the cruise line would prefer charging less money than leaving with a part or an empty cabin. This way, you may get up to 50 percent discount.

2. Use the ship lines of transportation. If you live far from the port, use a bus from your cruise company. If by bad luck the bus breaks down on the way, the ship will still wait. Even though the charges will be a little high, it will be fun being driven to the port. It would be better going at an extra cost rather than missing your flight after wasting much time and money on booking the ship.

3. Always keep an eye on your luggage. Make sure you have all your luggage when you get off the bus. Wait until the porter has carried all your belongings. It is important to mark your baggage for easier identification, there will be many similar briefcases in the ship. While purchasing your briefcases, it is advisable to opt for unique colors which will be easier to identify. Pack light to avoid carrying many bags. The light your pack, the easier to manage.

4. Have permanent tags on your luggage. The tags should contain your names and your home address. Your names should march with the names in your identification card. This will easily help you to relocate your luggage in case it lost.

5. A travel insurance is very important. Purchase a travel insurance with your cruise company to cater for your goods in case of theft. Make a list of all your marriages and if possible have their photos.

6. Make sure you have all the traveling documents in your carry-on bag. This will include documents such as passport, visa, identification card (ID), birth certificate and your home address. These are important documents and you can hardly travel without them.

7. Visit your doctor before your travel to advice you on which medicine to carry for seasickness. Pack enough medicine to last your travel. You can also avoid seasickness by taking Ginger tea in the morning and in the evening. There are also Ginger tablets available.

8. Carry sunburn lotion and sunglasses with. Sometimes, the it is extremely hot in the ship and this will be the only way to help your body from getting bruises.

9. If you are a smoker, smoke in designated areas. If you are to smoke in the room, make sure all the other members are smokers. Smoking is harmful to your health therefore, do not offend other passengers.


What Type Of Life Insurance Is Best?


Life Insurance (although it should not be) is to this day a very controversial issue. There seems to be a lot of different types of life insurance out there, but there are really only two kinds. They are Term Insurance and Whole Life (Cash Value) Insurance. Term Insurance is pure insurance. It protects you over a certain period of time. Whole Life Insurance is insurance plus a side account known as cash value. Generally speaking, consumer reports recommend term insurance as the most economic choice and they have for some time. But still, whole life insurance is the most prevalent in today's society. Which one should we buy?

Let's talk about the purpose of life insurance. Once we get the proper purpose of insurance down to a science, then everything else will fall into place. The purpose of life insurance is the same purpose as any other type of insurance. It is to "insure against loss of". Car insurance is to insure your car or someone else's car in case of an accident. So in other words, since you probably could not pay for the damage yourself, insurance is in place. Home owners insurance is to insure against loss of your home or items in it. So since you probably could not pay for a new house, you buy an insurance policy to cover it.

Life insurance is the same way. It is to insure against loss of your life. If you had a family, it would be impossible to support them after you died, so you buy life insurance so that if something were to happen to you, your family could replace your income. Life insurance is not to make you or your descendants rich or give them a reason to kill you. Life insurance is not to help you retire (or else it would have called retirement insurance)! Life insurance is to replace your income if you die. But the wicked ones have made us believe otherwise, so that they can overcharge us and sell all kinds of other things to us to get paid.

How Does Life Insurance Work?

Rather than make this complicated, I will give a very simple explanation on how and what goes down in an insurance policy. As a matter of fact, it will be over simplified because we would otherwise be here all day. This is an example. Let's say that you are 31 years old. A typical term insurance policy for 20 years for $ 200,000 would be about $ 20 / month. Now … if you wanted to buy a whole life insurance policy for $ 200,000 you might pay $ 100 / month for it. So instead of charging you $ 20 (which is the true cost) you will be overcharged by $ 80, which will then be put into a savings account.

Now, this $ 80 will continue to accumulate in a separate account for you. Typically speaking, if you want to get some of your money out of the account, you can then BORROW IT from the account and pay it back with interest. Now … let's say you were to take $ 80 dollars a month and give it to your bank. If you went to withdraw the money from your bank account and they told you that you had to BORROW your own money from them and pay it back with interest, you would probably go clean upside someone's head. But somehow, when it comes to insurance, this is okay

This stems from the fact that most people do not realize that they are borrowing their own money. The "agent" (of the insurance Matrix) rarely will explain it that way. You see, one of the ways that companies get rich, is by getting people to pay them, and then turn around and borrow their own money back and pay more interest! Home equity loans are another example of this, but that is a whole different sermon.

Deal or No Deal

Let us stick with the previous illustration. Let us say the one thousand 31 year olds (all in good health) bought the aforementioned term policy (20 years, $ 200,000 dollars at $ 20 / month). If these people were paying $ 20 / month, that is $ 240 per year. If you take that and multiply it over the 20 year term then you will have $ 4800. So each individual will pay $ 4800 over the life of the term. Since one thousand individuals bought the policy, they will end up paying 4.8 million in premiums to the company. The insurance company has already calculated that around 20 people with good health (between the ages of 31 and 51) will die. So if 20 people pass away, then the company will have to pay out 20 x $ 200,000 or $ 4,000,000. So, if the company pays out $ 4,000,000 and takes in $ 4,800,000 it will then make a $ 800,000 profit.

This is of course OVER simplifying because a lot of people will cancel the policy (which will also bring down the number of death claims paid), and some of those premiums can be used to accumulate interest, but you can get a general idea of ​​how things work.

On the other hand, let's look at whole life insurance. Let us say the one thousand 31 year olds (all in good health) bought the aforementioned whole life policy ($ 200,000 dollars at $ 100 / month). These people are paying $ 100 / month. That is $ 1200 per year. If the average person's lifespan (in good health people) goes to 75, then on average, the people will pay 44 years worth of premiums. If you take that and multiply it by $ 1200 you will get $ 52,800. So each individual will pay $ 52,800 over the life of the policy. Since one thousand individuals bought the policy, they will end up paying 52.8 million in premiums to the company. If you buy a whole life policy, the insurance company has already calculated the probability that you will die. What is that probability? 100%, because it is a whole life (till death do us part) insurance policy! This means that if everyone kept their policies, the insurance company would have to pay out 1000 x $ 200,000 = $ 2,000,000,000) That's right, two billion dollars!

Ladies and gentleman, how can a company afford to pay out two billion dollars knowing that it will only take in 52.8 million? Now just like in the previous example, this is an oversimplification as policies will lapse. As a matter of fact, MOST whole life policies do lapse because people can not afford them, I hope you see my point. Let's take the individual. A 31 year old male bought a policy in which he is suppose to pay in $ 52,800 and get $ 200,000 back? There is no such thing as a free lunch. The company somehow has to weasel $ 147,200 out of him, JUST TO BREAK EVEN on this policy! Not to mention, pay the agents (who get paid much higher bills on whole life policies), underwriters, insurance fees, advertising fees, 30 story buildings … etc, etc.

This does not even take into account these variable life and universal life policies that claim to be so good for your retirement. So you are going to pay $ 52,800 into a policy and this policy will make you rich, AND pay you the $ 200,000 death benefit, AND pay the agents, staff and fees? This has to be a rip off.

Well, how could they rip you off? Maybe for the first five years of the policy, no cash value will accruate (you may want to check your policy). Maybe it's misrepresenting the value of the return (this is easy if the customer is not knowledgeable on exactly how investments work). Also, if you read my article on the Rule of 72 you can clearly see that giving your money to someone else to invest can lose you millions! You see, you may pay in $ 52,800 but that does not take into account how much money you LOSE by not investing it yourself! This is regardless of how well your agent may tell you the company will invest your money! Plain and simple, they have to get over on you somehow or they would go out of business!

How long do you need life insurance?

Let me explain what is called The Theory of Decreasing Responsibility, and maybe we can answer this question. Let's say that you and your spouse just got married and have a child. Like most people, when they are young they are also crazy, so they go out and buy a new car and a new house. Now, here you are with a young child and debt up to the neck! In this particular case, if one of you were to pass away, the loss of income would be devastating to the other spouse and the child. This is the case for life insurance. BUT, this is what happens. You and your spouse begin to pay off that debt. Your child gets older and less dependent on you. You start to build up your assets. Keep in mind that I am talking about REAL assets, not fake or phantom assets like equity in a home (which is just a fixed interest rate credit card)

In the end, the situation is like this. The child is out of the house and no longer dependent on you. You do not have any debt. You have enough money to live off, and pay for your funeral (which now costs thousands of dollars because the DEATH INDUSTRY has found new ways to make money by having people spend more honor and money on a person after they die then they did while that person was alive). So … at this point, what do you need insurance for? Exactly … absolutely nothing! So why would you buy Whole Life (aka DEATH) Insurance? The idea of ​​a 179 year old person with grown children who do not depend on him / her still paying insurance premiums is asine to say the least.

As a matter of fact, the need for life insurance could have been greatly decreed and quickly eliminated, if one would learn not to accumulate liabilities, and quickly accumulate wealth first. But I realize that this is almost impossible for most people in this materialistic, Middle Classed matrixed society. But anyway, let's take it a step further.

Confused Insurance Policies

This next statement is very obvious, but very substantial. Living and dying are exact opposites of each other. Why do I say this? The purpose of investing is to accumulate enough money in case you live to retire. The purpose of buying insurance is to protect your family and loved ones if you die before you can retire. These are two diametrically opposed actions! So, if an "agent" waltzes into your home selling you a whole life insurance policy and telling you that it can insure your life AND it can help you retire, your Red Pill Question should be this:

"If this plan will help me retire securely, why will I always need insurance? And on the other hand, if I will be broke enough later on in life that I will still need insurance, then how is this a good retirement plan?"

Now if you ask an insurance agent those questions, she / he may become confused. This of course comes from selling confused policies that do two opposites at once.

Norman Dacey said it best in the book "What's Wrong With Your Life Insurance"

"No one could ever quarrel with the idea of ​​providing protection for one's family while at the same time accumulating a fund for some such purpose as education or retirement. But if you try to do both of these jobs through the medium of one insurance policy, it is inevitable that both jobs will be done badly. "

So you see, even though there are a lot of new variations of whole life, like variable life and universal life, with various bells and whistles (claiming to be better than the original, typical whole life policies), the Red Pill Question must always be asked! If you are going to buy insurance, then buy insurance! If you are going to invest, then invest. It's that simple. Do not let an insurance agent trick you into buying a whole life policy based on the assumption that you are too incompetent and undisciplined to invest your own money.

If you are afraid to invest your money because you do not know how, then educate yourself! It may take some time, but it is better than giving your money to somebody else so they can invest it for you (and get rich with it). How can a company be profitable when it takes the money from it's customers, invests it, and turns around and gives it's customers all of the profits?

And do not fall for the old "What if the runs runs out and you can not get re-insured trick". Listen, there are a lot of term policies out there that are guaranteed renewable until old age (75-100). Yes, the price is a lot higher, but you must realize that if you buy a whole life policy, you will have been duped out of even more money by the time you get to that point (if that even happens). This is also yet another reason to be smart with your money. Do not buy confused policies.

How much should you buy?

I normally recommend 8-10 times your annual income as a good face amount for your insurance. Why so high? Here is the reason. Let's say that you make $ 50,000 per year. If you were to pass away, your family could take $ 500,000 ($ 10 times $ 50,000) and put it into a fund that pays 10 percent (which will give them $ 40,000 per year) and not touch the principle. So what you have done is replaced your income.

This is another reason why Whole Life insurance is bad. It is impossible to afford the amount of insurance you need trying to buy super high priced policies. Term insurance is much cheaper. To add to this, do not let high face values ​​scare you. If you have a lot of liabilities and you are worried about your family, it is much better to be underinsured than to have no insurance at all. Buy what you can manage. Do not get sold what you can not manage.


Nature's Fury – Time to Check Your Insurance


The communities of Exmouth and Moora in Western Australia do not have a lot in common with Sydney.

But this year there is a uniting bond. All have felt the full force of Mother Nature.

Flooding in the Wheatbelt town of Moora caused an estimated $ 10 million dollars worth of damage to homes and property. Cyclone Vance ripped through Exmouth in the North West of the State costing the community millions more. Sydney's hailstorm bill has topped $ 1 billion and is still rising.

All this is a timely reminder about insurance to protect your assets from actions of nature over which we have no control.

Insurance is one of those intangible things – you pay out the money but you never see anything tangible in return – except in the event of some misfortune.

Insurance companies try hard to position themselves as being reputable and fair and spend millions in advertising trying to get this message across. The benefits they are selling include timeliness and ease of making claims and trustworthiness when it comes to paying claims.

Even banks are now being now becoming more sympathetic when it comes to natural disasters. Westpac has offered a special relief program to assist customers seriously affected by the Sydney hailstorm. Customers with home loans may now apply to suspend repayments for up to three months and may defer credit card payments for a month.

After all the goodwill, you need to do your homework when considering the best options for insurance. Here are 10 tips when considering insurance for your hard-earned assets.

  1. Insure with a reputable company. All companies must be licensed under the Insurance Act 1973 and comply with its regulations. The Australian Prudential Regulation Authority (APRA) oversees this. Their role is to see that companies have the ability to meet future claims. If there is a dispute between an insurer and a domestic claimant, the matter may be referred to the Claims Review Panel of Insurance Inquiries and Complaints Limited for an independent decision.
  2. Ask around. Talk to your neighbors, friends and contacts that have made a claim. Word of mouth travels quickly during a natural disaster. Check out what the company's attitude is when it comes to paying out. It's when the chips are down, like in Exmouth, Moora and Sydney that insurance companies have to perform.
  3. Ensure you are adequately insured. Do not try and save a small amount of money on your policy and find out later that you've under insured.
  4. Revalue your assets annually. Prices change, houses appreciation and cars generally depreciate. Maintain the sum insured at current day values.
  5. Cover all your assets. The major insurance categories are houses, cars, personal valuables and home contents. Make sure some form of insurance covers all your personal assets.
  6. Check the speed of claims payments. The quicker you get paid the sooner life gets back to normal. The time value of money means that any delays will actually be leaving you out of pocket.
  7. Shop around. There are a range of products on the market. Ring around and find the policy that best suits your needs – both from a value perspective based on price and premiums and also breadth of cover.
  8. Check the details. Remember to always check the details and do not be afraid to ask questions so you know exactly what you are and are not covered for.
  9. Store your policy in a safe place. Set up a system so you know where your policy is if you need to refer to it at any stage. It's amazing how frustrating it can be looking for those misplaced important documents during a time of crisis.
  10. Seek help. If you require help, seek out a professional insurance broker who can provide you with advice and options.

Stick to these tips and you'll have peace of mind next time a natural disaster hits your home.


A Complete Guide to Pregnancy and Air Travel


After reading this complete guide to pregnancy and air travel, you'll know everything there is to know about flying after your first trimester, dealing with airport security, preparing emergency contacts, and staying comfortable.

For most women in a normal and healthy pregnancy, it is perfectly safe to travel during most of it. However, it is advisable that you consult with your midwife or doctor before you book your flight.

There are certain high risk cases where your doctor can advise a pregnant woman to stay near her home through her pregnancy. The perfect time for you to fly is during the second trimester, that is fourteen to twenty seven weeks into your pregnancy. Once a woman is past her first trimester, it is more likely that her morning sickness is behind her.

In addition, after your first trimester, you will have more energy and the chances of suffering a miscarriage are going to be low. However, it is not advisable for a woman to travel after thirty six weeks. Before leaving, it is advisable for you to have your pre-natal caregiver arrange for a midwife or obstetrician at the destination just in case you are going to require some medical attention when you are vacationing. There are some things that you need to consider when you are planning to travel by airplane during your pregnancy.

It is important to consider whether it is going to be safe for you to pass through the screening machines at the airport. In addition, you should consider whether the cabin pressure in the airplane is going to harm your unborn baby. Changes in altitude can make your morning sickness to become worse. During the flight, you will be exposed to radiation and you need to consider whether this is going to harm your unborn baby. Another thing that you need to consider is the airline policy with regards to pregnant travelers.

A pregnant woman should also consider having an emergency contact sheet. This is a form that contains information that can be used in case there is an emergency. In this form, you will indicate your full names, the name of your healthcare provider when you are home and away from your home. Your health insurance will be required and you should also provide your emergency contacts. You medical and prenatal history is also going to be required in this form. For this section, you need to indicate your due date, most recent checkup, immunization history, allergies and previous births.

A pregnant woman should also consider how they can stay comfortable while flying in the plane. When you sit anywhere for long periods, your ankles and feet can swell. This means that you should rest your feet by putting them up. The seat belt should be fastened below your belly while you are located. Plenty of fluids should be taken and this will prevent the dehydration that comes from the dry air in the cabin. Weaving comfortable clothing is also a good idea and you can wear a nice dress. Clothing should be laidered in order to be able to cope when the temperature changes suddenly. It is also advisable to wear sensible shoes.


5 Tips for Getting the Best Business Insurance Policy


As an entrepreneur, you hope for the best, but you have to be prepared for the worst. That is why you need business insurance. It can help you salvage your company and your income in case a disaster strikes. Now you can select from a wide variety of customisable products offered by many insurers. Use the following simple rules for making the best choice for your business.

1. Make it comprehensive.

If you are underinsured, the money which you spend on a policy will be wasted. It is always best to provide for all possible risks. The comprehensive business insurance should include asset cover and revenue cover. It should feature product or professional liability cover and public liability cover. The commercial auto cover is mandatory in most states.

You must provide for any specific risks as well. For example, if there is a risk that your company's facility may release pollution into the natural environment, you must get a liability cover which is specifically designed for the purpose.

2. Buy only as much as you need.

There is no need for buying more coverage than you need. You should not remain underinsured either. The optimal cover amount is determined on the basis of risk and wealth. The best way to calculate how much cover you will require is to look into your net worth, revenue and profit. You should take into account the size of your business, the products which it offers and the clients that it caters to.

3. Go for flexibility.

You would want to be able to modify your business insurance policy in the future when your needs change. You should be able to purchase more cover without restrictions. You should be entitled to modifying the list of covered assets on a regular basis. This applies to all types of assets including moving vehicles. The insurer should be willing to lower the premium which you pay if you take effective measures for lower risk.

4. Be careful with any extras.

Additional benefits such as specialized employer liability coverage and a 24-hour helpline are quite attractive. However, before you sign up for them, you have to check how much they will cost you. If the cost exceeds the benefit, then you may want to opt out of an extra feature which is offered to you.

5. Get it from a reliable insurer.

The insurance company must have a high independent financial rating, preferably A or A +. It must have excellent customer service based on speed and professionalism. It must have good reputation in its own industry and in your industry as well.

You can now go shopping for the best business insurance.


Car Insurance For Females – Do Your Homework


Popular belief is that the women are less comfortable than men behind the wheels. On the contrary, statistics shows females are safer as car drivers than males. That is the reason why Auto Insurance for Females is cheaper than auto insurance for males. And this common rule is practiced in all states of USA and all the car insurance providers doing business there go by this rule.

This landmark rule of getting cheaper rate of premium on Automobile Insurance for Females was not an easy job. It is given to the females as an award for their consistency in safe driving. As per the recorded road accident cases till date, the percentage of female drivers at fault is remarkably low compared to the male drivers. Car Insurance for Females most often remains unclaimed. And in rare case when they are proven to be at fault often the road accident is of very minor type not involving any loss of life or big injury of the other driver or the passenger of the other car and also with no totaling or big damages on the other drivers' part. When the accident is severe the damage and property damage is too much. And the claimed amount of money from the insurance company also goes up in that case because the medical bill for injury and repairing bill for property damage to other are high which the insurer's company has to pay. But in those accidents where there is no bodily injury and property damage is only some scratch on the body of the other drivers' car, the claimed insurance amount is low so the insurance company has to pay less. So, the rate is low for Automobile Insurance for Females.

It is also proven that female drivers spend less time on road than male drivers. So the average usage of the car and mileage given by the car is comparatively low for females. Insurance rate goes proportionately with the mileage covered by the car. In that respect too Automobile Insurance for Females arrivals lower rate.

Also as driver the females very careful not to be booked for breaking speed limit or violating any other safety rules. This also helps make Car Insurance for Females cheaper.

Males are advised to add their name as driver in any family member females' car to earn the benefit of Automobile Insurance for Females.


How To Get Even With Your Car Insurance Company In 10 Easy Steps – Part 1


How much do you pay for Car Insurance every year?

Eight hundred dollars a year? One thousand? Two thousand?

Whatever the amount you're paying now, you can slash that amount by more than 50% by simply following a few simple strategies.

Can you cut your car insurance costs by investing only 30 seconds of your time? No, that can not be done.

But if you're willing to spend 30 minutes today, this week, or next, I'll show you how to save up to $ 6,000 on your Car Insurance over the next 10 years.

Okay, here we go. Grab your Car Insurance statements page (the page in your policy that details all the coverage's you're paying for) and follow along. Make sure you take some notes. If you do not have your policy, or can not find it, call your car insurance company and get one – they'll send it to you pronto.

STEP 1 – Make sure you're getting all applicable discounts for your vehicles safety features, such as:

– Front, Side or Head Curtain Air Bags; – Automatic Seat Belts; – Anti-Theft Alarms or Tracking; – ABS or Traction Control …. and many more.

Think about the safety features you have …. and write them down.

STEP 2 – Review & Change Deductibles For Comp & Collision.

Most Car Insurance Policies have two deductibles – one for "collision" (you hit someone or someone hits you) and one for "Comprehensive" (all other damage or loss).

For both of these, have at least a $ 500 deductible – preferably a $ 1000 deductible.

Here's why – If you are currently paying a $ 100 – $ 250 deductible, you'll save up to 40% per year on your monthly premiums by moving it to $ 500. That means if you're currently spending $ 1,000 a year on insurance, you're going to get to keep $ 400 every year. If you jump to a $ 1,000 deductible, you could keep almost $ 600 extra a year in your pocket.

I can hear some of you saying, "Wow, a $ 1,000 deductible. That's a lot of money." Yes, it is.

So is paying $ 1,000 a year with that $ 100 deductible …. versus $ 400 a year with a $ 1,000 deductible.

The odds are in your favor – go with the $ 1,000 deductible.

STEP 3 – Review & Change Property Damage Liability.

Have you ever seen a $ 100,000 mailbox? Car Insurance Companies must have. Here's why ….

Property damage is not damage done to an automobile but rather "property" like a mailbox or a utility pole. So, why in the world would you need $ 100,000 dollars of coverage?

In most cases, almost 100% of all property damage claims can be taken care of with only $ 50,000 of coverage. So take a look at your policy to find out what you're currently paying for. And if you have little or no Net Worth, drop your coverage even lower – to $ 25,000 or your States minimum. You can find your States minimum by doing a Google search for "car insurance state minimums."

Here's what to look for on your policy – Many will have your liability coverage's listed like so – 50/100/100 – The first two numbers refer to bodily injury liability coverage. The 1st number is the dollar figure covered per person. The 2nd is the dollar figure per accident.

The 3rd number is the "Property Damage Liability." That's what you need to change. What does yours say?

STEP 4 – Review & Change Bodily Injury Liability.

Although Bodily Injury Liability Coverage is a must, almost all of us end-up overpaying for the coverage we need. This type of coverage specifically covers:

– Any and all occupants of an automobile, whether it's yours or someone else's; – Any and all occupants of another vehicle; – And Pedestrians

Your only goal with this type of coverage is to have just enough protection to protect what is yours …. in other words, your assets. And in order to protect your assets, you need to figure out what your Net Worth is – here's a well known site for calculating your net worth –

A great way to slash your premiums is to have no more in bodily injury liability than what your net worth is. Here's a common example of the coverage most people have – If your net worth is only $ 20,000 and you have $ 100,000 in coverage, you're throwing money away.

And if you have little, or negative net worth, just get the required State minimums. You'll need this info to get the lowest car insurance rates. Again, you can get to see your state minimums by Googling "car insurance state minimums."

Here's what to look for when trying to figure out how much coverage you have now. As I said earlier, most Policies today have your liability coverage's listed like so – 50/100/100 – The first two numbers (whatever they might be) refer to bodily injury liability coverage. In this example, there is $ 50,000 in coverage per person and $ 100,000 per accident.

What does your policy say? Are you paying more than your net worth? If so, change it.

STEP 5 – Review & Change Uninsured / Underinsured Motorist Coverage.

The uninsured / underinsured motorist coverage is a fantastic deal for car insurance companies …. and a lousy one for you. This premium alone can increase your auto insurance by a couple hundred dollars a year.

Most people think that uninsured / underinsured coverage is there to get your car repaired if it is hit by someone without insurance …. or someone with lousy insurance.


Any damage done to your car is already covered – by the premium you're already paying for collision.

First things first …. check your policy if your paying for uninsured / underinsured coverage now. If you are, Google "uninsured motorist state requirements" to see if your state requires it.

If it's not required by your State, cancel it.

If the State you live in requires require uninsured / underinsured coverage, make sure you have the absolute minimum required. These minimums are not advertised, change every couple of years and are very difficult to find. So, here's how you handle this.

Do a Google search for your State Department of Insurance, go to the "Contact Us" page, find a phone number, then call and ask what the minims are.

Do not try looking for it. Finding the minimums listed is almost impossible on most State Web Sites – they've buried it so deep you'll never find it. Just call your State Department of Insurance.

I know it's a bit of a hassle to get the info yourself. Yet relying on the Insurance Companies to give you the correct information is not very wise.

Next …. Part 2 of "How To Slash Your Car Insurance Costs In Ten Easy Steps."


Advice To Learn Before You Purchase Health Care Insurance


Navigating the world of medical insurance may be daunting, whether you are trying to find the best plan or are dealing with a chronic health issue. Teaching yourself concerning the basics of health care insurance with one of these tips is the best way to make sure you get the most from your policy and you possess the allow you to need when paying to improve your health care.

If you are shopping for medical health insurance, you should be familiar with not only what you are getting but in addition to what you will be not receiving. This is a common mistake for anyone to think about an agenda, see all of the positive elements of it, and then accept it. These are then set for a major surprise when a gathering happens that they are not covered for that they assumed these were covered for. Make sure you scrutinize your plan and browse everything before agreeing to it.

You bought to determine if the insurance plan that you are interested in has what exactly is referred to as a free look. This assumes that you may have a trial period to actually try out the insurance policy plan to see that this fits your needs. If you wish to perform a free look, you should be careful and ensure that you follow all the guidelines because of it.

While searching for health care insurance, always research prices. Insurance plans may differ greatly from company to company. One might give a lower deductible, while another offers better coverage. Shopping around can aid you to understand your alternatives. Your individual needs determines which plan works well with you.

Before you apply for a health insurance, check with your family doctor your records are up-to-date. If you consider you might have anything in your record that could compromise the application, confer with your doctor about this. Most health insurance carriers will examine your medical history during the last 10 years.

Individual health insurance policies may be expensive. Some religious organizations and universities have health plans. These plans may be cheaper than individual plans because of larger pool of individuals and higher purchasing power. If you are looking into getting medical insurance, consider looking at plans provided by these organizations.

Be sure you pay close attention to the deductibles as well as the co-pays that different medical insurance policies have. You may find that in case you spend a higher premium that you will get charged a reduced co-pay and deductible for your claims that you need to submit for healthcare for you and your family.

Even with health care insurance, getting emergency care might be expensive. Use hospital er facilities simply for true emergencies. For routine but urgent health problems, you'll reduce costs by going to a stroll-in clinic. Some pharmacies also have mini-clinics where you may be seen, get evaluated and acquire a prescription. If necessary, they will help you find sophisticated medical help.

Take time to understand your state's laws when it comes to medical health insurance. Each state can vary in regulations and guidelines for medical health insurance carriers, rendering it crucial that you know very well what a carrier can legally exclude or cover. Knowing the laws where you live of residence can prevent an unpleaser surprise, especially if you use a pre-existing condition or prior illness.

As i have said previously, health care insurance can be difficult to comprehend as well as to use. Equipped with these guidelines for selecting or using a healthcare policy, you may manage your healthcare knowing that you may have the insurance plan coverage that best suits how you live, health needs and financial situation.


Ways on How to Save on Car Insurance


Did you know that owning a car is not cheap? You do not simply drive it and pay for gas? No, owning a car is expensive. There are many reasons why and insurance is one of them. So, before you buy a car, think about car insurance. Auto insurance is mandated by law. If you drive your car, make sure you carry the required insurance policy on it. Cheap car insurance may suffice minimum state requirements. But do not be too quick in getting cheap insurance.

How do you choose your car insurance policy?

1. Choose the appropriate car. Insurance companies assign values ​​to cars, and different cars have different values ​​that would affect the cost of insurance. Insurers are most likely to look at the cost of repairs if the car gets into trouble. If your car is expensive, repairs for it will likely be expensive too. Here, these firms will assign a high cost on your car. Before you buy a new car, think about how reasonably its price will affect its insurance.

2. How often do you drive? If you stay in your office 8 hours a day, chances are you only drive to work and back home. There is not too much mileage there. Insurers look at you as a candidate for cheap auto insurance, because they will not likely spend for your car repairs because the less you drive your car, the smaller your chances of getting involved in a car accident.

3. Consider the insurance product that suits your driving habits. A lot of car owners do not really drive too often. These people may do well with pay-as-you-go car insurance, which is much cheaper than standard ones. You can not cheat the insurer because a tracking device will be attached to your car. At some point, this type of insurance may prove to be insufficient.

4. Consider the minimum state requirement. Some states require car owners to purchase at least liability insurance. In case, you bumped your car into someone else's and their car's side got denied, your insurer will pay for the damages you caused. But if your car was damaged, you will spend for the repairs with your own money.

5. Be a good driver. Good drivers are rewarded with low cost insurance, because the insurers will think they are less likely to be involved in road accidents. It takes a while before you can earn the reputation of a good driver. First time drivers would have to contend with high premiums for their car insurance. If you want nice auto insurance deals in the future, drive in such a way that you will not end up being chased by the cops on the road.

6. Improve driving skills. Inexperience is the reason insurance companies give new drivers high cost on their insurance. Statistics indicate that young drivers are likely to be involved in car accidents. As expected earlier, you can do little about the high cost of insurance, but you can make yourself qualify for cheaper insurance in 3 or 5 years by improving your driving skills.

7. Look for the best deal online. Shopping for auto insurance can be daunting. Some agents trick you into signing up for an expensive insurance with inclusions that you do not need. You can ditch that insurer by the end of the insurance term and look for favorable deals online.


Travel and Leisure Jobs


Travel and leisure industry is one the most favored industry sector for job seekers worldwide. It offers you the wonderful opportunity of seeing new places, getting acquainted with new cultures and helps in developing a more comprehensive perspective about world affairs. So if you are one of those persons who are passionate about travel, and like to meet new people a variety of job opportunities are available in various segments of travel and leisure industry.

Here are few of travel and leisure industry which provide extremely good job opportunities, if you possess requisite skills for the job.

Online Travel – With the advent of internet, travel industry went online. Now you can book flight tickets, hotel rooms and buying tickets for the venue. These ventures require computer programmer, web designer, customer support and sales team.

Event management – This industry specializes in the creation of festivals and events which vary in scale from Olympics to the neighborhood Birthday party. Event managers are in great demand by companies.

Cruise ships – Cruise ships are a classy mode of travel which is popular along a section of tourists. These massive structures require hospitality professionals, maritime professionals, entertainers and security personnel.

Tour operators – They come in handy for those people who travel internationally and do not have time for a "do it yourself" holiday. They take care of all the details of the tour saving their clients from the intricacies.

Airlines – Air travel is the most popular means of travel for tourist especially international tourists. Pilots, air hostess and flight crew are some of the most wanted career. However an airline employs more people as ground staff in the form of air traffic controller, ticket checker, baggage checker and personal service assistant.

Travel websites, magazines and guides – These guide people on popular tourist spots, the best route to take, best time to visit and must see places among others. Here contractual or freelance writers can work as travel writers. Also photographers are hired to shoot photos documenting the journey.

Animation – Animation industry makes animated films some of which are hugely popular like Ice Age. Also they design and execute computer games. Animators, illustrators and designers are broadly in demand here.

Cosmetics Industry – The desire to look beautiful is innate in every woman and man. This industry "claims" to make people beautiful. Cosmetics and the beauty industry require hair stylist, beauty therapist, manicurist and shampoo technician.

Games and toys industry – This sector produces games and toys for people of all ages and groups. It requires creative professionals and game designers.

Fitness sector – This sector works on making people fit through exercise and alternatives like yoga. It requires certified fitness trainers and yoga teachers.

Hotels and resort industry – When you travel anywhere you stay in one of these hotels and resorts. Here this industry plays a very important role in the overall travel and leisure industry so much that hotel occupancy rates are an important indicator of the state of the industry. It requires waiting staff, interior decorators, management professionals and catering services personnel.

The travel and leisure industry is very often the dream job of many people. But many people are unaware of the tremendous job potential of this industry.